FINVIM

Active

Private limited companyfounded 20233 yrs activeHenri Kichka straat 20, 1190 Vorst, BelgiumKBO/BCE: BE 0804.958.656

Summary

FINVIM has been active since 2023 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €151k and a net result of €56k. Equity is growing by ~60.9% per year across the filed fiscal years. Its solvency ranks better than 75% of 31694 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.7% (low).

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Checked score

Score 2025

89 / 100

Excellent

The score weighs solvency, liquidity and profitability. Bankruptcy probability contributes 35%. Every signal that weighs is under Signals.

Axes · tick = 2024

Profitability100=

Solvency100▲+3

Growth78=

Track record94

Bankruptcy probability, 12 months

0.7% Low

0%0.5%1.5%4%10%≥ 25%

Credit up to €13k at 30 days acceptable

Liquidity ample (current ratio 4.68 against 3.56 in 2024; short-term debt: 21.2% and cash: 35.8% of total assets), and 21.2% of the assets are financed with debt.

How do we compute the score and the probability?

Credit check for your own amount and term

Signals

Five signals. The signal on the left, the evidence on the right.

−lowers risk+raises risk○neutral

Lower-failure-rate sector

In this sector companies fail less often than the Belgian average.

Gazette · bankruptcies per sector, NACE 70

Relative position

BE, all sectors

reference

Sector 70

lower

← fewer bankruptcies more bankruptcies →

Limited track record

This company has not been active as long as an established one and statistically fails somewhat more often.

KBO · incorporation date

Age against the risk zone

Higher-failure-rate region

In this region companies fail more often than in the rest of the country.

KBO · registered office

Annual accounts: healthy financial profile

The latest annual accounts show a healthy profile in solvency, result and liquidity.

NBB · annual accounts 2025

Solvency, return and age of the figures

Solvency

78.8%

Return on assets

28.9%

Age of the figures

9 mo

Filed after the deadline

The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 04-08-2026, 4 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.

NBB · 3 filings

Deviation from the deadline

2025

4 d late

2024

3 d early

2023

15 d early

← before the deadline after the deadline →

Checked, nothing found (2)

The next deadline is still running

The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.

Companies Code · seven months

Position in the running window

24-09-2026 today31-12-2026 close31-07-2027 deadline

No strike-offs in the KBO publications

We found no ex-officio strike-off or cessation. Our series starts in 2021 and has gaps, so this is not a confirmation that there is nothing.

KBO publications · our coverage

Financials · fiscal year 2025, micro schema

Equity

€151k▲ 57.8%

2024 · €96k

2023: €35k 2024: €96k

2023 → 2025

Total assets

€192k▲ 44.9%

2024 · €133k

2023: €54k 2024: €133k

2023 → 2025

Net result

€56k▼ 9.5%

2024 · €61k

2023: €33k 2024: €61k

2023 → 2025

Working capital

€150k▲ 59.5%

2024 · €94k

2023: €35k 2024: €94k

2023 → 2025

Multi-year overview

Every figure with its change against the year before

▲ rise ▼ fall

Line202320242025Trend

Equity€35k-€96k▲ 177%€151k▲ 57.8%

Operating result€41k-€81k▲ 94.1%€74k▼ 8.7%

Net result€33k-€61k▲ 88.1%€56k▼ 9.5%

Turnover and EBIT margin not published: the micro schema does not require them.

Result per fiscal year

Operating resultNet result

The operating result falls in 2025; 2025 is 9% below 2024.

Balance-sheet composition

2025 in colour, 2024 as the grey bar beneath

Assets €192k

99.0%

Fixed assets €2k ▼ 10.7%

Current assets €190k ▲ 45.8%

Equity and liabilities €192k

78.8%

21.2%

Equity €151k ▲ 57.8%

Debt €41k ▲ 11.0%

Debt's share of the balance-sheet total falls from 27.6% to 21.2%. Equity and debt are higher.

Key figures and ratios

2025 value · change against 2024

EBITDA

€74k▼

2024 · €81k

Cash flow

€56k▼

2024 · €62k

Current ratio

4.68▲

2024 · 3.56

Debt to equity

0.27▼

2024 · 0.38

ROE

36.6%▼

2024 · 63.9%

ROA

28.9%▼

2024 · 46.3%

Interest coverage

31.79▲

2024 · 30.78

Debt ≤ 1 year

€41k▲

2024 · €37k

Income taxes

€16k▼

2024 · €17k

Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.

Filed annual accounts As filed with the NBB · 2025 against 2024 · 35 lines

Balance sheet Code20242025

Assets

Total assets20/58€133k€192k▲

Fixed assets21/28€2k€2k▼

Tangible fixed assets22/27€2k€2k▼

Other tangible fixed assets26€2k€2k▼

Current assets29/58€130k€190k▲

Amounts receivable within one year40/41€24k€31k▲

Trade receivables40€23k€20k▼

Other amounts receivable41€705€11k▲

Current investments50/53-€90k

Cash at bank and in hand54/58€106k€69k▼

Deferred charges and accrued income490/1€739€707▼

Equity and liabilities

Total equity and liabilities10/49€133k€192k▲

Equity10/15€96k€151k▲

Contributions10/11€2k€2k=

Profit (loss) carried forward14€94k€149k▲

Amounts payable17/49€37k€41k▲

Amounts payable within one year42/48€37k€41k▲

Trade debts44€516€491▼

Suppliers440/4€516€491▼

Taxes, remuneration and social security45€36k€40k▲

Taxes450/3€36k€40k▲

Income statement Code20242025

Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€158€238▲

Other operating charges640/8€99€497▲

Gross operating margin9900€81k€74k▼

Operating profit (loss)9901€81k€74k▼

Financial income75/76B€53€338▲

Recurring financial income75€53€338▲

Financial charges65/66B€3k€2k▼

Recurring financial charges65€3k€2k▼

Profit (loss) for the period before taxes9903€78k€72k▼

Income taxes67/77€17k€16k▼

Profit (loss) for the period9904€61k€56k▼

Profit (loss) for the period to be appropriated9905€61k€56k▼

Appropriation of the result

Profit (loss) to be appropriated9906€94k€149k▲

Profit (loss) brought forward from the previous period14P€33k€94k▲

The notes to these accounts (5 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.

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Timeline · acts, filings and financial milestones

All 5Financial 2Filings 3

Next filing, fiscal year 2026, expected by 31-07-2027

2026

04-08

NBB filing Annual accounts filed

fiscal year 2025 · micro schema · 4 days late

2025

31-12

Financial Equity above €150kEq €151k ▲57.8%

3 profitable years in a row build equity to €151k.

28-07

NBB filing Annual accounts filed

fiscal year 2024 · micro schema

2024

31-12

Financial Highest result since 2023net €61k ▲88.1%

Operating result €81k, net result €61k, both a record.

16-07

NBB filing Annual accounts filed

fiscal year 2023 · micro schema

Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.

Directors · office · real estate

Directors

2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.

Location & real-estate footprint

Registered office, Vorst · 1 establishment unit since 2023

establishment The establishment unit on the map

Cannot be placed on the map

This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.

Henri Kichka straat 201190 Vorst

Ground area

2,229 m²

Building footprint

573 m²

Volume, LiDAR

6,130 m³

Parcel 21382C0271/00D002, Brussels · tallest building 15.6 m, ±4 floors. Linked by address, not a title deed.

1 establishment unit

FINVIM

Henri Kichka straat 20, 1190 VorstBusiness consulting

since 20232.348.468.483

1 parcel

Brussels 1 (100%)

Parcel (capakey)	Region	Area	Buildings	Height / fl.
21382C0271/00D002	Brussels	2,229 m²	1 · 573 m²	15.6 m · 4 fl.

Linked by address, not proof of ownership

Methodology

via registered seat: 1

1 of 1 parcel with an exact address match; the rest are indicative.

Linked through address data, this is not proof of ownership.

Similar companies · same sector, comparable size

Kontich · Eq €151,485

Jorgen Vanhoof

BE 0764.688.414

Anderlecht · Eq €151,492

Sophie HOSTE

BE 0786.357.818

Sprimont · Eq €151,496

Of 82,562 companies in sector 70200 we hold annual accounts for 52,574. 40,785 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector

Company data · Crossroads Bank

Identification

Legal formPrivate limited company

Founded21-08-2023

Fiscal year end31-12

Activities, NACEBEL 2025

70200Business and other management consultancy

Sources

Crossroads Bank for EnterprisesNational Bank · 3 filingsAddress and cadastre registers

Scores and ratios are computed by Checked and are not a credit decision.